U S Employees Credit Union
Public records raise at least one point you should look into before giving.
What it says it does
USE Credit Union's Mission is to encourage members' personal sucess through exceptional financial services. USE Credit Union offers competive deposit and loan rates to members, offering a cooperative approach to banking.
- Income
- $4.4 million
- Spending
- $3.8 million
- Employees
- 22
- Volunteers
- 9
- Highest pay
- $140,057, ceo
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Financial health
We do not score finances when yearly spending is very small or the return has too little detail. The ratios stop meaning much at that size.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Governance
This return does not answer enough of the governance questions to score.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (4)
- $187,886 spent. Share Saving Accounts, USE Credit Union offers many different types of share savings accounts that pay our members competitive dividend tares. There are accounts that fit the needs of consumers of all ages from youth saving account that teach young people the importance of savings and how to make wise purchasing choices to IRA share and certificates accounts for mature members, members have access to personal finance tools provided by the Credit Union to help them make good financial decisions.
- $291,011 spent. Checking Accounts, USE Credit union offers a checking product for whatever a member's financial needs are. We offer free checking, a dividend checking, and even a second chance checking account for those members who have been denied service at retail banks. Member can access their funds at one of our two branch locations, at any shared service center locations, online or with a no fee MC debit card.
- $1.8 million spent. Consumer Loan, USE Credit Union provides a wide range of loan products to our members. We offer lower rates than most retail banks in the area for a comparable product. Our goal is to offer affordable options to our members all while providing outstanding customer service. We provide credit counseling to our members and offer alternatives to preditory lenders or payday loans
- $1.6 million spent. Other CU programs including investments
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(14) credit union.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated November 6, 2026.
Are donations tax-deductible? Caution.
The IRS master file records contributions to this 501(c)(14) credit union as not deductible.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2025.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since June 1976.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated November 4, 2026.
Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.